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Health Coverage You Can Feel Good About

Farm Bureau Agents Know Health Insurance

On January 1, 2014, health insurance changed in a big way. You can no longer be denied coverage because of a pre-existing condition. You are required to have coverage. Benefits are more standardized, and you have the opportunity to change your health insurance plan each year during the open enrollment period. Farm Bureau agents know health insurance. They can make getting quality coverage easy to understand and easy to buy.

Be Informed. Be Covered. Be Confident.

The open enrollment period for your 2015 plan is November 15, 2014 – February 15, 2015. Your Farm Bureau agent can help you understand your options and make the right choice for you and your family. After all, what could be simpler than buying health insurance from a neighbor who cares about their community and wants to get you the right coverage?

With a variety of options to choose from, your Farm Bureau agent will help you determine the health insurance coverage that best fits your needs and budget.

Individual Health Insurance

You can choose from four levels of health insurance coverage, known as the metallic plans. Each level covers the same set of essential health benefits, but varies in its cost-sharing elements – deductible, copay and coinsurance. Your monthly premium for any of the metallic plans will be based on several factors, including:

Your age

Whether you use tobacco

Where you live

Who's enrolled in the plan (spouse or child)

Provider network

Benefit plan you choose

Group Health Insurance

Whether your business is small or large, we can help you offer health insurance to your employees. Your local agent can explain the group health insurance plans available in your state.

Medicare Supplement and Medicare Part D plans

If you’re over age 65 and have Medicare, we offer plans to help fill the gaps in your insurance coverage, including Medicare Prescription Drug (Part D) plans.

Deductible

The dollar amount a policyholder pays in out-of-pocket expenses before the insurance company begins to cover costs for medical services.

Essential health benefits

Starting in 2014, all health insurance plans are required to offer a basic package of essential benefits in 10 categories.

Guaranteed issue

Requires insurers to issue coverage to any individual who applies for health insurance. Coverage cannot be denied because of a pre-existing condition or health status as long as you purchase coverage during an open enrollment or special enrollment period.

Individual mandate

All legalized U.S. citizens are required to have health insurance coverage or pay a tax. An individual may be enrolled in an individual plan, an employer plan or a government-sponsored plan.

Lifetime benefit maximum/limit

Metallic or metal plans

The four different levels of health insurance coverage, known as the bronze, silver, gold and platinum plans. These plans are designed around their cost-sharing elements – deductible, copay and coinsurance – to fit into specific levels of coverage.

Out-of-pocket costs

Health care costs a policyholder pays that are not reimbursed by the insurance company. These can include deductibles, co-payments and coinsurance. Premiums are not considered an out-of-pocket expense.

Pre-existing condition

A medical condition a person has prior to purchasing a health insurance plan. With the Affordable Care Act in place, there are no more exclusions for pre-existing conditions, meaning you can’t be denied coverage because of your health status if you purchase coverage during an open enrollment or special enrollment period.

Premium

The monthly cost paid to an insurance company or a health plan for a health insurance policy.

Preventive benefits

Benefits designed to keep you healthy and reduce long-term health care costs, such as early detection screenings and vaccines. Under the Affordable Care Act, most preventive services are provided at no cost, including no copayment or coinsurance.

Stay Connected:

Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT.
Fixed life insurance and annuity products are offered through Farm Bureau Life Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, ID, KS, MN, MT, ND, NE, NM, OK, SD, UT, WI and WY.
Variable life insurance and annuity products are underwritten by an insurance company that is not affiliated with our companies.

Agent must be a registered representative of FBL Marketing Services, LLC to discuss mutual funds or variable products.

IMPORTANT: The information and material contained on this Web site is not an offer to sell or a solicitation to buy any security or any insurance product in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Not all products are available in all states. Exclusions, limitations and reductions may apply. This Web site briefly highlights Farm Bureau's insurance policies and their benefits. The contract is contained only in the policy. Farm Bureau products are offered by Farm Bureau agents. For more information about any Farm Bureau product, please contact your local agent or nearest office using the Agent Locator.